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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Paul Vickers
- Outside Loan Originator
- Fort Mitchell, KY Mortgage Loan Officer
- NMLS #1080939
I’ll be with you every step of the way
Hi, I’m Paul. I’m a U.S. Army Veteran and mortgage professional with over six years of home financing experience. Whether you’re a first-time homebuyer or on the move, I have the training and qualifications to help you buy your dream home. With expertise in the title and lending side of the business, you can count on me to make your experience easy.
As part of our Fort Mitchell, KY branch at America’s #1 Retail Mortgage Lender, I’ll begin by listening to your homeownership goals and answering your questions about how to achieve them. We’ll discuss the steps between applying for financing and moving into your new home. I’ll provide loan status updates, make sure your closing goes smoothly and efficiently, and walk by your side every step of the way.
Whether you want to buy a home, refinance, or renovate, I offer a variety of loan programs to fit your goals. From conventional and jumbo to FHA and VA, we’ll discuss specifics and find the right scenario for your budget. I can’t wait to get started on your home financing journey.
Paul’s testimonials
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How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.